Facts and

As a member of Chubb, Combined Insurance offers products in North America, Europe and Asia Pacific. We take pride in providing supplemental insurance plans that are clearly written and easy to understand so you can be sure you are getting the right coverage.

Facts and

LIMAT Disclosures

In accordance with the Office of the Superintendent of Financial Institutions (OSFI), our LIMAT Ratios for the previous years can be viewed below. Branches are required, at minimum, to maintain a Total Ratio of 90%. OSFI has established supervisory target level of 100% for Total margin. Definition of terms can be found in Guideline A at

LICAT – Life Insurance Capital Adequacy Test.